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RBS (One Account) Conveyancing Lender Panel Compliance Tool

Looking for information about your firm's panel status?

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How can my firm apply to be on the RBS (One Account) Conveyancing Panel?
Check your firm’s panel Status
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How can my firm be reinstated onto the RBS (One Account) Conveyancing Panel?
Check your firm’s panel Status

Lexsure’s COMPLETIONmonitor is an online pre- and post-completion checklist for residential conveyancing lawyers. It is supported by PI insurers such as AmTrust. COMPLETIONmonitor is a unique risk management tool.

This software facilitates the way you can prove to lender panels that you are, and can remain fully compliant with their requirements, with alerts on RBS (One Account)’s changes. While utilising the tool is not a condition for acceptance on the RBS (One Account) panel, demonstrating you can remain up to date with RBS (One Account)’s Handbook requirements is an excellent support to your panel application and, more importantly, safeguard your firm’s panel status.

COMPLETIONmonitor generates real-time alerts, automatically produces compliance and CQS reports, and will increase your firm's efficiency. In addition it is simply to use, cost-effective and, for many firms, results in a PII saving.

Find a Law Firm approved by RBS (One Account)

Lenders often vary their requirements. The UK Finance Lenders’ Handbook requirements from RBS (One Account) are not guidelines, they are instructions from a client. As with many clients, instructions can change - and they do change, over time:

A Timeline of Policy Changes


Since 2008, RBS (One Account) has made 929 revisions or additions to sections of their version of the UK Finance Handbook.
That equates to a section change every 2.9 days. In total, 67% of the sections of P2 of the UK Finance Lenders’ Handbook for RBS (One Account) have been changed since 15/12/2008.

To find out more about lender panel compliance,
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RBS (One Account) Solicitor Panel Sample Enquires to our Call Center from members of the public

My lawyer has never been on on the RBS (One Account) Approved Panel. Can I still retain my family solicitor even though they are not on the RBS (One Account) approved list?
You have a number of options available to you here:
  1. Complete the purchase with your preferred lawyers but RBS (One Account) will need to instruct a lawyer on the RBS (One Account) conveyancing panel. This will result in additional cost and potential delay.
  2. Get a new solicitor to act in the purchase, obviously checking they are on the RBS (One Account) conveyancing panel.
  3. Urge your lawyer to apply to join the RBS (One Account) lender panel
Expecting to move into my new home next Monday. My conveyancing lawyer has asked me to provide him with a copy of the building insurance for the house as as he informs me that he is duty bound to validate that it is in order for RBS (One Account). What risks do RBS (One Account) expect the insurance to cover?
All property lawyers on the RBS (One Account) conveyancing panel would need to check that the following risks are covered fire; lightning; aircraft; explosion; earthquake; storm; flood; escape of water or oil; riot; malicious damage; theft or attempted theft; falling trees and branches and aerials; subsidence; heave;landslip;collision;accidental damage to underground services;professional fees, demolition and site clearance costs; and public liability to anyone else. There are some other issues such as the level of excess that are set out in RBS (One Account)’s Part 2 requirements of the CML Handbook (last updated on RBS (One Account)). Being on the RBS (One Account) conveyancing panel your lawyer is expect to follow these requirements.
Your search tool is useful but there are many lawyers listed near Coventry on the RBS (One Account) conveyancing panel. Can you recommend a specific firm on the conveyancing panel for RBS (One Account) ?
We are not in the business of recommending one firm above another as the right firm for you depends on where your priorities lie. For example you may require a local firm with local knowledge or you might be looking for the low cost conveyancing. We recommend that you speak to 3 or 4 lawyers listed before you make your choice..
I am considering applying for a RBS (One Account) mortgage for purchase of a newly converted (under development) with 65 per cent loan to value. Is it compulsory to choose a solicitor on the conveyancing panel for RBS (One Account)?
There is nothing to stop you using your solicitor but RBS (One Account) will insist on their interests being represented by a firm on their conveyancing panel. There is much more potential for delays and confusion with two solicitors involved, and it will undoubtedly be more expensive too.
I am buying a property where the roof has a solar panel. RBS (One Account) have issued a mortgage offer so presumably this is not a concern to them. Why is my solicitor raising questions about the panel?
As your lender is RBS (One Account) your lawyer must to check the RBS (One Account) conveyancing instructions contained in the Part of CML Handbook for RBS (One Account) . The CML Handbook contains minimum requirements for solar panel roof-space leases, and solicitors are required to report to RBS (One Account) where a lease does not meet these requirements. The requirements relate to the installation of panels on properties in England and Wales. The CML are developing guidance for Northern Ireland and Scotland.
My offer on house has been accepted, the seller does however have a dependent purchase. The vendors have offered on somewhere, but not been accepted yet, and have viewings of other properties booked. My conveyancing solicitor has been instructed. What do I do now? When should I get the mortgage app going with RBS (One Account)?
It is usual to have concerns where there is a chain as you are unlikely to want to be too out of pocket too early (mortgage application is approx £1k, then survey/valuation, conveyancing search costs, etc). First you should check that your solicitor is on the RBS (One Account) conveyancing panel. As to the next stages this very much depends on the circumstances of your case, desire for this property and on the state of the market. In a hot mortgage some buyers would pally for the mortgage with RBS (One Account) and pay for the valuation and only if it comes back ok would they pay their solicitor to press on with searches.
Me and my partner are acquiring a terraced house in Hendon. Conveyancing solicitors in Hendon are about to beinstructed. My agentsuggested that we enquire that the solicitor in Hendon is on the RBS (One Account) solicitors panel. Is this right?
It is not that case that all Hendon conveyancing practices are on the RBS (One Account) conveyancing panel. 5 people a month use our search tool to locate a Hendon conveyancing lawyer on the on the RBS (One Account) approved list of lawyers.

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